Acceptance Auto Insurance Review

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Acceptance Auto Insurance, part of First Acceptance Services Inc., is a private auto insurer founded in 1969 and located in Nashville, Tennessee. It currently offers insurance policies in 17 states while maintaining over 350 retail locations. The company currently employs around 1,350 dedicated agents to staff its neighborhood agencies. Policies are also sold directly to consumers through the company’s website and over the phone.

Acceptance primarily offers non-standard or high-risk auto policies. Like many high-risk companies, it offers lower-cost policies to standard-risk drivers as a way to balance its risk pool. The company also caters to a variety of high-risk drivers, including teenagers, seniors and people with bad credit, making it accessible to those who might not otherwise be able to obtain coverage.

Additional Products

Depending on your state and specific situation, you may be able to purchase more than auto insurance through Acceptance. In some areas, the company offers several other products:

Renter’s insurance to protect the personal belongings of apartment dwellers and others who rent their homes.

Motorcycle insurance for both standard and non-standard drivers. Like auto insurance, the motorcycle policies can be either liability-only or include first-party coverages. Discounts are available for drivers who have completed safety certification courses and for military members.

Hospital benefits. In some states, you can purchase this supplemental health insurance policy to help fill in the gaps of coverage for hospitalizations, including protection for accidental death and dismemberment.

Acceptance Auto Insurance Rates

You can obtain a quote over the phone at 1-877-405-7102 or by entering your zip code and filling out an online quote form.

The quote form is fast and easy to fill out, requiring minimal information and loading quickly. You will need to provide your social security and driver’s license number obtain the quote, since the company will complete a background check and credit report. If you are uncomfortable with submitting that information over the Internet, you’ll be better off calling the number for quotes or by finding a local agent’s office.

Claims

You can file an Acceptance claim through your local agent’s office or by calling 800-779-2103 between 7am and 6pm Monday through Friday CST or 8am to 5pm on Saturday. The claims office is closed on Sundays and in the evenings.

Regardless of how the claim is filed, you’ll need to provide the same basic information to the company, including your policy information, contact info for others involved in the accident, and a description of what happened.

Consumer Research and Complaints

First Acceptance has been accredited with the Better Business Bureau since 1998 and has an “A-” rating with them. The BBB website lists 31 complaints as having closed in the past year. The BBB website also lists a total of 293 complaints 229 of them regarding problems with product/service.

Many of the consumer complaints against the company found online seem consistent with what you can expect from any company, like disputes over OEM parts, liability decisions, or customer service. There doesn’t seem to be any major recurring issues that raise a red flag.

Financial Strength

Rating Company

Grade

Financial Outlook

AM Best

C++

Stable

Fitch

N/A

N/A

S&P

N/A

N/A

Bottom Line

As far as high-risk auto insurance goes, Acceptance seems like a solid choice. Their website is well-designed and easy to navigate. They offer a variety of coverage options, and dedicated agents give you a solid link to the company. Of course, if you can obtain standard-risk insurance, you’ll likely be better off getting a quote through a more mainstream policy, but high-risk drivers in the states not covered by Acceptance Auto Insurance might want to take a look at this company.

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Review Information

Summary

Reviewer

Eric Stauffer

Review Date

2017-05-01

Reviewed

Acceptance Auto Insurance

Author Rating

3

About Eric Stauffer

I am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

Reader Interactions

Comments

This company should get a BBB rating – BAD, BAD, BAD………..My daughter is going through all the above, lying, more than three months since the accident, saying she did not have hospital coverage and has to pay $5000+, said they sent wrong paperwork, now has to wait another two weeks…she is not holding her breath, but getting an attorney. This company should be barred from selling car insurance of any kind.

I was hit by a driver who did not have a license and was ticketed for tires that were worn out and not controlling his speed. He totaled my car and he had this insurance. I have NEVER had customer service as sorry as this company. I am going on two months after the accident and I still have not been paid for my car. I was also told by [Redacted] (Total Loss Adjuster with the company)said, “You ARE LUCKY I ALLOWED YOU AN EXTRA WEEK OF RENTAL CAR.” I only had two weeks of a rental car (and over 7 weeks dealing with them… so far) and he told me I should have been looking and purchased a vehicle already. Even though they have not paid me for my vehicle. The first few weeks, no one would return my phone calls. [Redacted] never returns calls either. In the meantime, they are hanging on to the money they owe me. SORRY COMPANY

I was with Acceptance Insurance since the day I first got my car. As of yesterday and forever, I do not want nothing to do with this insurance company. My rate went from $204.00 to $238.00 without warning or notice. When I called to question the new price, I was given a very vague explanation that Texans in my area were hit with an increased rate. WHY? No ‘why’ was given. Had I known that I could have changed my insurance right there and then, I would haven’t paid it. So, I’m going through the process of getting my money back so I can purchase another insurance. Of course…there’s a huge runaround happening. I have to prove that I am with another provider. Yeah, I’ll prove it once I get that money back.

SIGH….easy to go up on rates without explanation, but long division to request a refund for shady practices. Never again.

There is NO requirement for you to prove anything. Your obligation for proof of insurance is to the state no Acceptance. They are violating the law by not allowing you to cancel a policy. They consistently verbally bully their customers but will not put anything in writing because they are like debt collectors. They violate rules and usually get away with it. They tried that with me until they realized I was well informed. Go as fast as you can to progressive or Allstate and cancel payments with them. You will never see your money unless you have weeks of time on your hands. They owed me and has the nerve to send a bill.

Omg me to didn’t even have them for 24 hrs and cancel on 12/30 and still haven’t received my money. I’m really thinking about suing. I need that money for other bills. Every time I call it’s a different response!!!

I’m an Acceptance policyholder and I have a claim filed on October 30, 2017. My 2006 Chevy all-wheel drive Trailblazer ss was stolen its value at almost 50,000 with all the upgrades, and I have all the receipts and documents to show for that amount. I submitted all the paperwork to the Acceptance adjuster and they called me with a settlement for the amount of 5300.00 dollars. When I refused to accept it, they said it was their final offer. Now they never answer my call, nor do they return my messages. I have paid 7725.00 in payments on a full coverage policy, and that’s how they treat their customers. So uncaring and unprofessional

This is the WORST insurance company I have ever dealt with. I just had my renewal payment and was told it was $83.00,,I paid it….and was told after that payment …my payment would be $53…I just called today…and was told that there was a BALANCE of $2 on my account because my renewal was actually $86!!! She then told me my bill would be $59?!!! I asked to speak to a supervisor and she came back and said that none were available.. until 48 hrs. . I got irate…and she said she will find a supervisor…AFTER SHE HAD ALREADY SAID NONE WERE AVAILABLE!!!! I INFORMED HER THAT I WILL BE REPORTING THEM…..AND CHANGING COMPANIES BECAUSE I AM SICK OF THE BULL SH$@!!!!!!!!

I fired this company today due to poor service with claims and terrible customer service. The agents I have talked to at the [Redacted] Office have not been helpful any of the times I have reached out to them for help or with questions. Today Mr. [Redacted] interrupted me several times while I was explaining my question and then he began accusing me of yelling however it was he who was yelling at me. I found his actions to be the final straw and he should be ashamed of himself. This office needs proper management and training provided. You just lost a customer.

When they say this is the worst insurance company there is they are not lying. They give you the run around on everything and try to deny any payments in rental cars. I don’t have insurance with them thank god, but I filed a claim bc one of their drivers hit my car. Beware if you file a claim and end up with Democrat [Redacted] as your adjuster. Horrible customer service, does not know how to talk to people, and will try to argue that it’s not his fault [redacted] doesn’t get done. Never returns calls and acts like he doesn’t know what is going on. Do your freakin job and do it right!!!!

Definitely agree with everyone. My son called and got insurance and called back in less than 30 minutes told them he did not need car insurance and to cancel the policy but they still charged the card after she told him it would take 7 to 10 business days before they could return the monies. Now it seems as if the adjuster has disappeared off the face of the earth. I get the run around everytime I call and they say even if he cancelled the same day because he gave the card information it is an agreement for payment. The car has not been operable in over a year. There needs to be something I can do but unfortunately these are the practices of this company. Neeeevvveeerrr deal with this company.

i feel you i have the same problem as soon as i got the policy i went to dmv to renew my registration it took me less then 40 min and dmv told me i couldn’t register my car i call acceptance back from the dmv and they told me i have to pay 10 percent because i’m canceling under 30 days and i told them i just did it and all they had to say it company policy so any one looking for insurance stay away from this company it more problem and headache they don’t care about anything but getting pay what a rip off bad mistake on my part

This company is terrible. I have had Geico for years but got canceled when my credit card payment didn’t go through due to an account hack. I needed insurance coverage right away when I found out rather than wait. I signed up, paid first payment. I enrolled in auto pay, on May 17 they withdrew payment, no problem. On June 15th I got repeated calls and when I finally picked up it was Acceptance. They were calling to inform me my payment was due the next day. I said ” well I’m in auto pay right so..” He confirmed it , but something was fishy. So I checked my BOA app to see if it was processing. Didn’t see it. I called acceptance and boa everyday until the 19th. Acceptance told me they withdrew the payment but I kept explaining I and my bank didn’t see the request or withdraw. I had meeting I had to fly into for the next three days but acceptance assured me everything was ok. Friday while in the airport I checked my account again and still no withdraw. Call acceptance they told me we were canceled the past 5 days!!! I freaked. No accidents,no tickets for over 17 years and certainly no lapses of insurance. They said it was returned NSF!!! I have plenty in the account so this was impossible. Called BOA and they were positive they never tried to withdraw. They scammed me for $110 extra dollars to reinstate me. Then came up with all kinds of hair rained ideas of what happened. It was like talking to a kindergartner.
When I proved my account balance would cover everything by emailing them screenshots showing the balances they said oh well maybe you gave us the wrong card. The card was on file with them for autopay. They used it on the April Payment, the first autopay payment, and even on the reinstatement payment. I tried to ask how it worked for all the payments except the one they never sent to my bank. They waived the fee. Then put it right back on for this months payment! Total idiots. If they can’t understand this simple problem they cant have my business. I got progressive and canceled. Unless you’re unemployed don’t take on the full time job of managing these idiots.

LMAO!!! Same here… this is by far THE WORST insurance company EVER!!! No one wants to help, give clear and precise answers or especially handle a claim in a time appropriate way. They sure do want your money, have their agents calling you more than once a day reminding you that your payment is due. But, once it’s their turn to answer the phone in your time of need… DON’T HOLD YOUR BREATH or count on it. The moment you need their services as a PAYING CUSTOMER… they turn on you and no one knows anything. They avoid all phone calls, put you on hold knowing they’re not gonna transfer you to anyone.. voicemails NEVER get a return phone call. By the time I did receive one back, it wasn’t even by the person, or persons SUPERVISOR that I already left a voicemail with also. They treat you like YOU committed a crime, insult you are very rude… expect you to do all their foot work AND send you for a DEPOSITION… I can go on and on with everyone’s name that has let us down. Then this woman just called that I never contacted telling me about some other papers being mailed when I already finally talked to someone yesterday and kinda actually got somewhere this time. So, it’s obvious these people are not professionals by any means… do not communicate with each other at ALL and do not leave notes about anything. This place makes you feel like you’re on some type of show just waiting to find out it was all an act, you know like a big joke being played on you… but, unfortunately it never ends, no one ever comes out with a camera crew for some type of relief… it really is a big joke on YOU. Run if you have a chance!! Save yourself the mental anguish these people cause. This is coming from someone who in 41 yrs has never had ONE claim or accident and I was treated that poorly…

Acceptance insurance is terrible! Worst company ever! If ever in an accident from one of their clients expect the worst treatment ever. Lengthy delays on service (appraiser, adjuster), place all the time on the person hit by their client. Rude and argumentative customer service from adjuster especially. I asked for the CEO email so I could send to him/her directly my complaints. Was told sorry they couldn’t provide that info.

I agree this is by far the worsed insurance company ever. The agent we are speaking of will not listen or help. They have put a hold on my license and I don’t even have insurance eoth thier company. The guy who has insurance with this company filed a fraudulent claim and it’s affecting my life in every way possible. The BBB should investigate thier company for fraud and other bad business practices. Oh, and they have threatened us with a letter as well.

THIS IS THE WORST INSURANCE COMPANY EVER!!!!! NOT ONLY DO THEY GIVE YOU THE RUN AROUND BECAUSE THEY DONT WANT TO HELP, THEY ARE INCONSIDERATE. THE MANAGERS DON’T RETURN PHONE CALLS AND NEITHER DO THE INSURANCE ADJUSTERS. GOOD LUCK TRYING TO GET ANY ASSISTANCE OR A RENTAL VEHICLE OR ANYTHING ELSE YOU MAY NEED FROM THIS COMPANY!

UNFORTUNATELY, I AM DEALING WITH THIS COMPANY AND I AGREE WITH YOU. I CAN’T GET A RENTAL, DON’T KNOW WHERE THEY TOWED MY CAR AFTER THEY REMOVED IT FROM THE LOT WHERE I HAD IT TOWED, THE ADJUSTER [Redacted] WON’T CALL ME AND I SPOKE WITH HIS SUPERVISOR [Redacted] WHO IS WORSE THAN [Redacted]. I CANNOT GO ANYWHERE WITHOUT ASKING FOR A RIDE FROM FRIENDS AND FAMILY. TO MAKE MATTERS WORSE WHEN I DID FINALLY SPEAK WITH [Redacted] AND [Redacted], THEY BOTH LAUGHED WHEN I WAS EXPLAINING MY PAINFUL EXPERIENCE WITH THEIR COMPANY. I REALLY FEEL INSULTED AND FRUSTRATED. I WOULD NEVER EVER BUY A POLICY FROM THEM OR RECOMMEND THEM. THERE ARE A LOT NEGATIVE COMMENTS I COULD MAKE BUT I THINK THIS IS ENOUGH FOR POTENTIAL CUSTOMERS TO GET AN IDEA OF HOW HORRIBLE THIS COMPANY TREAT PEOPLE. I DON’T KNOW HOW THEY SLEEP AT NIGHT.

This is by far the WORST insurance company I have ever heard of. I have worked in the insurance industry for 36 years and never ever have I dealt with a company so unresponsive to their insureds. My family reported a claim on 8/25/15 today is 10/21/15 and the claim still has not been settled. I truly wish that people could understand that these companies that advertise “cheap premiums” will not only be a rip off when you have a claim but their premiums are not really any less anyway. For instance this policy that I am talking about cost 170.00 per month for low limits of liability and NO rental car or towing coverage. The same policy quoted through Travelers cost 76.00 per month and has rental and towing included in the premium. In case you are wondering I do not work for Travelers. Any of you major players can match this. Do your homework. There are also rules to claims handling that they pay no attention to. My next step is to file a Department of Insurance complaint. If that does not get them moving on this claim we will look at bad faith.